How can I get affordable health insurance for my husband and I in the state of Florida?

Question

I am a healthy 23 yr. old and my husband is a stable 32 yr. old.

Answer 1

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand you and your husband are young and presumably healthy and if you rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.

Answer 2

I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago  when I was in college and they have saved me thousands. From Doctor visits, CBC, imaging..etc. All services are included in this very affordable plan. My benefits were even active in 2 hours and was able to use it the very same day. hope this helps.

Answer 3

IDK. My husbands friend called the other night and said he is considering re-joining the military or returning to NC because he can't make ends meat in Florida because of the cost of health care. Does your husbands name start with D?

Answer 4

Feel free to use the tool on my site to get quotes.  In FL it'll quote Aetna, UnitedHealth, Assurant, Humana, Celtic and a couple others.

It requires no personal information to use other than a date of birth.  Click on the pickle on the home page.

http://www.InsurancePickle.com

and avoid the immediately above advice about getting a discount plan.  The FTC has put out warnings about plans like that and I have a copy on my site.

Answer 5

It depends on what you consider "affordable". I have clients who are happy with their $1000 per month policy and others who complain about their $100 per month policy.

With health insurance you get what you pay for. Visit a local agent that works with all the major companies in your area. The agent can compare plans for you, answer all of your questions about the plans, and find the best plan for your situation and budget. There is no extra charge using an agent.